The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$68,645
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,780
−HK$2,170/mo
Today · 4.125%
HK$72,950
baseline
▲ 0.50% · 4.625%
HK$77,389
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,900/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,367
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,415
−HK$2,078/mo
Today · 4.125%
HK$80,493
baseline
▲ 0.50% · 4.625%
HK$84,736
+HK$4,243/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,986/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,374
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,937
−HK$2,603/mo
Today · 4.125%
HK$87,540
baseline
▲ 0.50% · 4.625%
HK$92,866
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,080/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,641
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,098
−HK$2,494/mo
Today · 4.125%
HK$96,592
baseline
▲ 0.50% · 4.625%
HK$101,683
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,184/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,103
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,093
−HK$3,037/mo
Today · 4.125%
HK$102,130
baseline
▲ 0.50% · 4.625%
HK$108,344
+HK$6,214/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,260/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,914
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,781
−HK$2,909/mo
Today · 4.125%
HK$112,690
baseline
▲ 0.50% · 4.625%
HK$118,630
+HK$5,940/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,380/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,561
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,405
−HK$3,905/mo
Today · 4.125%
HK$131,310
baseline
▲ 0.50% · 4.625%
HK$139,300
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,620/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,461
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,147
−HK$3,740/mo
Today · 4.125%
HK$144,887
baseline
▲ 0.50% · 4.625%
HK$152,525
+HK$7,638/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,774/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,428 · Scale 2, in force from 26 Feb 2026)